What Is Infinite Banking and How To Start Being Your Own Bank (2024 Guide)
Infinite banking is the practice of overfunding a permanent life insurance policy so you can borrow against its cash value. It’s an...
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RetirementGuy
May 91 min read
Best Term Life Insurance Companies: Expert-Rated In 2024
We evaluated costs and policy features for 20 large life insurers and found that Corebridge Financial, Pacific Life, Protective and...
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RetirementGuy
Nov 16, 20231 min read
It’s Open Enrollment Season. Have You Taken a Good Look at an HSA?
What Is an HSA, and How Does It Work? Employees covered by qualifying HDHPs are also allowed to contribute to an HSA. The parameters for...
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RetirementGuy
Aug 28, 20231 min read
Some Annuities Offer Big LTC Benefits Boosts
True Tamplin thinks one annuity feature that agents and advisors should consider talking more about is long-term care benefits boosters....
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RetirementGuy
Jul 20, 20231 min read
Americans Don’t Love Their Insurance, but Most Don’t Shop Around
Over the past 12 months, the cost of insurance has prompted more than 1 in 10 Americans who own insurance aside from health care coverage...
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RetirementGuy
Jun 8, 20231 min read
Retirement Planning with Life Insurance
When it comes to retirement planning, most people think of traditional retirement savings vehicles like 401(k) plans, IRAs and Social...
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RetirementGuy
Jun 8, 20231 min read
What Is Indexed Universal Life Insurance and How Does It Work?
Life insurance is often put into two groups. You’ve got term life insurance, which has no cash value unless you pass. Or you’ve got whole...
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RetirementGuy
May 25, 20231 min read
Where to get the best employee benefits across the US
As graduates look to jump-start their careers this summer, they may want to pay extra attention to where their potential employer is...
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RetirementGuy
May 11, 20231 min read
The 9 Pros and 7 Cons of Whole Life Insurance
It's no secret that I'm not a big fan of whole life insurance. I owned a policy for seven years before canceling it (for a minus-33%...
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RetirementGuy
Feb 16, 20231 min read
Where Disability Benefits Are Worth the Most: How Your State Stacks Up
According to data released in 2022, the average SSDI benefit for disabled workers is $1,358.30 per month. The exact value of someone’s...
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RetirementGuy
Feb 9, 20231 min read
What Is Hybrid Long-Term Care Insurance?
Life insurance is designed to provide a death benefit for your loved ones if you pass away. Long-term care insurance, meanwhile, can help...
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RetirementGuy
Dec 15, 20221 min read
Social Security Disability Insurance: What It Is and How It Pays
Social Security disability insurance (SSDI) is similar in some ways to private or corporate-sponsored disability plans. In other words,...
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RetirementGuy
Oct 6, 20221 min read
A guide to finding the best affordable health insurance plan
Health insurance premiums across the US cost an average of $438 monthly per person, according to the latest marketplace benchmark...
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RetirementGuy
Sep 29, 20221 min read
What You Need to Know About Life Insurance Settlements
Your life insurance monthly premium can start looking less and less appealing once you’ve retired. It’s a scenario Dan Simon, a...
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RetirementGuy
Sep 22, 20221 min read
Tired of Pricey Life Insurance Premiums? 4 Ways to Manage a Policy When You Retire
You’re getting ready to retire, and you’re thinking about your expenses. One expense you’d like to forgo is the premium you pay for the...
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RetirementGuy
Sep 15, 20221 min read
The truth about 10 common car insurance myths
If you own a vehicle, chances are you have a car insurance policy — coverage is legally required in nearly every state. But how well do...
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RetirementGuy
Sep 8, 20221 min read
Having a Long-Term Care Plan Is Crucial. Here Are 2 Hybrid Policy Types to Consider.
For millions of baby boomers, Gen-Xers, and millennials who have no long-term care strategy, the pandemic has sent a message: Act now or...
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RetirementGuy
Aug 25, 20221 min read
The Best Annuities for Income and Growth
These are boom times for annuities, which are providing retirement savers and investors with not only their hallmark stability during...
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RetirementGuy
Jul 14, 20221 min read
Top Five Mistakes To Avoid When Buying an Annuity
Investing in annuities can be a hot-button issue for some people. Some financial advisors love them and others hate them. I am more of an...
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RetirementGuy
Jun 30, 20221 min read
Top Considerations for Life and Long-Term Care Insurance (FEGLI and FLTCIP)
FEGLI, or the Federal Employee Group Life Insurance program is a benefit offered to federal employees as a part of their overall FERS...
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